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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $131,465 | $88,707+48.2% | $74,184+77.2% | $273,972-52.0% |
| Participation rate | 95.7% | 79.4%+16.2pp | 76.6%+19.0pp | 83.0%+12.6pp |
| Annual return | 5.14% | 11.94%-6.8pp | 17.74%-12.6pp | 41.46%-36.3pp |
| Employer contribution / active EE | $1,005 | $3,159-68.2% | $2,370-57.6% | $4,869-79.4% |
| Participant deferral / active EE | $5,722 | $4,212+35.9% | $3,550+61.2% | $5,287+8.2% |
| Admin fee / account holder | $4,045 | $8,717-53.6% | $5,586-27.6% | $10,133-60.1% |